Owesilisa ehamba ebuka izimoto ezidayisa egaraji Isithombe: Tomohiro Ohsumi/Bloomberg
Kuningi amakhasimende ezimoto okumele akuqaphele ikakhulukazi uma ethenga imoto ngesikweletu asithatha emabhange ukuze engamangali ngokuhamba kwesikhathi.
Ongoti bathi izindleko azigcini kuphela ngemali oyikhokha ngenyanga kepha kukhona nezinye.
Bathi kunokunye futhi okumele abathengi bakuqaphele ukuze bengabi nayo inkinga ekugcineni njengokuthatha imishwalense ezobavikela ezimweni ezahlukene.
Nanka amathiphu abawakhiphile uma uthenge imoto ngohlelo lwe-balloon payment:
•Ukuhlelela imali noma ukubhajetha ekuqaleni kwenkontileka:
Qala ubeke imali ye-balloon zinyanga zonke. Ukwenza isibonelo: thatha isamba semali ye-balloon okumele uyikhokhe ekupheleni kwenkontileka uyicaze ngesibalo sezinyanga zenkontileka.
Zama ukonga leyo mali okungenani njalo ngemuva kwezinyanga ezimbili. Lokhu kusho ukuthi ekupheleni kwesivumelwano, uzobe usuwonge okungenani uhhafu wesamba se-balloon. Le mali ungayisebenzisela izimo eziphuthumayo ukunakekela imoto njengamasondo nokunye.
•Gwema ukungena kwi-debt review:
Umuntu ongaphansi kweDebt Review ngokomthetho weNCA alikho ibhange elingakwazi ukumboleka imali eNingizimu Afrika.
Lokhu kusho ukuthi uma ufuna ukuboleka imali yokukhokhela isamba se-balloon ekupheleni kwenkontileka yakho, kuzomele uyikhokhe iwukheshi.
•Imali yokuqeda isikweletu ihlanganisa ne-balloon:
Ungayishintsha imoto ngisho ngabe uyithenge ngesikweletu esine-balloon. Uma ushintsha imoto uthatha enye, ibhange lizokutshela ukuthi yimalini okumele uyikhokhe ukusiqeda nya isikweletu.
Leyo mali ibalwa ihlanganisa nesamba se-balloon. Lokhu kusho ukuthi uma usuyikhokhile leyo mali, kungaba uyikhipha wena siqu sakho okanye igaraji elithenga imoto yakho uma uyishintsha, ngeke usayikhokha enye imali eyengeziwe ehlanganisa nesamba se-balloon.
Uma uhluleka ukukhokhela imoto zinyanga zonke ngenxa yokushintsha kwesimo semali bathi kumele ukhulume nebhange. Beluleka ngokuthi okunye ongakwenza wukushintsha imoto uthathe ebiza kancane.
Lokhu kusho ukuthi uthatha isikweletu esincane futhi ungaxoxisana nabo ukuthi ukhokhe inzalo engcono nokungenza ukhiphe imali encane ngenyanga.
Kunezinhlelo ezakhelwe ukusiza abathengi ezinye zazo okuyilezi:
•I-Customer protection plan:
Lolu hlelo lukhokhela isikweletu sakho semoto noma isikweletu nje okungabe usithathile uma kwenzeka izimo ezingalindelekile njengokugula okubucayi, ukufa noma ukukhubazeka.
Kusho ukuthi uma kwenzeka noma yikuphi kulokhu kuwe, lolu hlelo luzokhokhela imali yazinyanga zonke yemoto nomshwalense.
•I-Retrenchment policy:
Ikhokhela imali yazinyanga zonke yesikweletu semoto nomshwalennse uma udilizwa emsebenzini noma ulahlekelwa yimali oyenzayo.
•I-Insurance shortfall:
Lolu hlelo lukhokha imali eshodayo uma kwenzeka isikweletu semoto siba ngaphezu kwemali umshwalense wakho okunika yona uma kukhona okuthile okwenzeka emotweni.
•I-Deposit protector:
Ivikela idiphozithi oyifakayo ngisho ngabe umshwalense wakho ukhokha malini uma kukhona okwenzeka emotweni (igcina kuR500 000).